National Pension System: Every person wants that his future is secure after retirement. For this, there are many types of plans in which you can invest.Â
One of these is the National Pension System (NPS). By investing a specific amount in this, you can get a pension of up to Rs 50,000 every month after 60 years.
NPS is such a scheme, through which you can remain self-sufficient in money matters even after retirement. This is one such scheme of the government, which gives more than 10 percent returns.
It is one of those schemes which gives high returns with a low risk. In this you have to invest every month. You can decide how much this amount should be and after that the money will be automatically deducted from your bank account every month.
Invest Rs 15,000 every month
Suppose the age of you or your spouse is 35 years. You want that you or your spouse should get a monthly pension of Rs 50,000 after completing 60 years. In such a situation, you will have to invest Rs 15,000 every month in this scheme. You have to deposit this amount till the age of 60 years. In this way, in 25 years, you will have to deposit 45 lakh rupees in it.
will get pension like this
After completing 60 years of age, your maturity amount will be around Rs 2 crore. Out of this, you will get 50 percent i.e. about 1 crore rupees in a lump sum. At the same time, pension can be taken every month from the remaining Rs 1 crore.
Rs 50,000 pension per month
If the annuity rate at that time is 6 percent, then you will get a pension of about Rs 50,000 every month. On the death of the scheme holder, the remaining amount will be given to the nominee by him in a lump sum. In view of the Kovid-19 epidemic and uncertain environment, people are showing great interest in such a scheme.
Conditions for investing in NPS
The right age to invest in NPS has been kept from 18 to 70 years. Any Indian citizen, resident or non-resident and Overseas Citizen of India can invest in this. In this, one person can open only one account. Those who open NPS after 65 years of age can also open Tier 2 accounts.
